Dreaming of becoming a nurse is an exciting journey, but figuring out the cost of nursing school can feel overwhelming. You might already know that tuition will be a significant expense, but what about the hidden costs? Think transportation, uniforms, licensing exams, and even the cost of clinical supplies. Whether you’re considering a two-year associate degree or aiming for a bachelor’s or advanced degree, the price tag can vary widely.
This guide is here to help you make sense of it all. We’ll walk you through the key factors that impact the cost of nursing school, uncover the expenses you might not have thought about, and provide tips to help you calculate what your education could cost. By the end, you’ll have the tools to confidently plan your budget and take the next step toward your nursing career. Ready to dive in? Let’s break it down.
Basic Costs of All Nursing Programs
The basic costs of nursing school are the most transparent and expected expenses—like tuition, fees, and books—that prospective students can anticipate before enrolling. These foundational costs often depend on the type of nursing program you choose and are crucial to understanding the financial investment required to pursue your nursing career.
Tuition
Tuition is the cornerstone of nursing school costs and varies significantly depending on the type of institution (public vs. private) and your residency status (in-state vs. out-of-state). Public schools often offer lower rates for in-state students, while private institutions generally have higher tuition but may offer more financial aid. Additionally, the type of program — ADN, BSN, or MSN — plays a critical role in determining tuition costs.
ADN/ASN
Associate Degree in Nursing (ADN) or Associate of Science in Nursing (ASN) programs typically cost between $6,000 and $25,000 at community colleges or vocational schools.
Example: Herzing University’s Associate of Science in Nursing
Tuition: $925/credit
BSN
Bachelor of Science in Nursing (BSN) programs usually range from $20,000 to $80,000, depending on whether you attend a public or private institution. These programs often require a larger financial commitment due to their four-year duration.
Example: University of Washington School of Nursing
Tuition: $4,325/quarter for residents; $14,403/quarter for non-residents
MSN
Master of Science in Nursing (MSN) programs generally cost between $30,000 and $100,000 or more, depending on the program’s prestige and specialization options. Advanced degrees often have higher credit-hour costs and may require additional fees for clinicals and certifications.
Example:University of California, Los Angeles (UCLA) School of Nursing
Tuition: $71,325 for residents; $83,570 for non-residents
Enrollment Fees
Enrollment fees go beyond tuition and cover various one-time and recurring costs associated with starting and continuing a nursing program. While some fees are minimal, others — like clinical placement or simulation lab fees — can add up quickly.
Most nursing schools charge a non-refundable application fee, typically ranging from $30 to $150. Lab fees are common in nursing programs and support the hands-on learning components, such as anatomy labs, microbiology labs, and nursing simulation centers. These fees can range from $100 to $500 per course.
Additional and Hidden Costs
In addition to tuition and enrollment fees, nursing students face various additional and hidden costs that can add up quickly. These expenses, often overlooked during initial planning, include essentials like books, scrubs, clinical fees, exam costs, housing, and transportation. Understanding these costs upfront helps you avoid financial surprises.
Books and Supplies
Textbooks are a significant expense for nursing students, often costing $1,000 to $3,000 annually. Specialized books tend to be pricier. Beyond books, you’ll need scrubs, comfortable nursing shoes, a stethoscope, and other supplies, which can cost $500 or more. Many programs also require lab kits or nursing bags stocked with clinical tools.
Clinical Fees and Associated Expenses
Clinical placements often come with additional costs, such as transportation to healthcare facilities and required medical equipment like blood pressure cuffs or thermometers. Some schools charge supervision fees, ranging from $200 to $1,000 per semester. Students may also need liability insurance or vaccinations, further adding to the total expense.
Exam and Licensure Fees
Preparing for and taking the NCLEX exam is another major cost. Registration for the NCLEX-RN exam is $200, and state licensure fees can range from $75 to $200. Many students invest in NCLEX prep courses or materials, which can cost $100 to $500. Combined, these expenses are essential but easy to underestimate.
Housing, Food, and Transportation
Living expenses play a substantial role in nursing school costs. Whether you live on-campus or off, housing can range from $5,000 to $15,000 per year. Add in food costs, typically $3,000 to $5,000 annually, and transportation expenses for commuting to class or clinical sites, which can range from $500 to $2,000 annually, and the totals grow quickly.
Financial Aid and Funding
Navigating the financial side of nursing school doesn’t have to be overwhelming. There are plenty of options to reduce out-of-pocket expenses. Scholarships specifically for nursing students are an excellent starting point, as they don’t require repayment. Explore opportunities like those listed in EduMed’s nursing scholarships guide. Federal and state grants, such as Pell Grants, are also valuable, providing need-based funding to eligible students.
Student loans are another option, but remember that while they can ease immediate financial pressure, they are not “free” money. If you choose this route, familiarize yourself with repayment terms and explore opportunities for debt relief, including available student loan forgiveness programs for nurses.
Work-study programs can help you offset costs by earning money through part-time jobs, often on campus or in healthcare-related roles. Employer tuition reimbursement programs are another way to reduce costs, especially if you’re already employed in the healthcare field. Some employers offer to cover a portion — or even all — of your tuition in exchange for a work commitment after graduation.
To maximize your funding, start by completing the FAFSA early and consider tuition payment plans. These strategies can significantly lower the total cost of nursing school while keeping your financial future in mind.
Nursing School Cost FAQ
Is nursing school worth it financially?
Yes, nursing school is typically worth it financially. Registered nurses (RNs) earn a median annual salary of $86,070 according to the U.S. Bureau of Labor Statistics, and advanced practice nurses can earn significantly more. While upfront costs can be high, the return on investment is strong due to steady demand in the healthcare industry. Nurses also have opportunities for career growth and loan forgiveness programs, which can further offset financial burdens.
How much does it cost to become a nurse?
The cost to become a nurse depends on the program type. An Associate Degree in Nursing (ADN) typically costs $6,000–$25,000, while a Bachelor of Science in Nursing (BSN) ranges from $20,000–$80,000. Advanced degrees like a Master of Science in Nursing (MSN) can cost $30,000–$100,000 or more. Additional costs include books, clinical fees, and licensure exams.
What is the average debt for a nurse?
The average debt for nursing school graduates is approximately $20,000–$40,000, depending on the program and financial aid options. Advanced practice nurses may incur higher debts, often exceeding $50,000. However, options like loan forgiveness programs for nurses can help reduce long-term financial burdens, making repayment more manageable.
How do you survive financially during nursing school?
Managing finances during nursing school involves strategic planning. Many students rely on scholarships, grants, and work-study programs to offset costs. Creating a strict budget, cutting unnecessary expenses, and working part-time in healthcare-related roles can help. Employer tuition reimbursement programs and financial aid options like FAFSA also provide essential support, reducing the financial strain while in school.
Is nursing school cheaper than medical school?
Yes, nursing school is significantly cheaper than medical school. Nursing programs, such as BSN and MSN, typically cost $20,000–$100,000, while medical school averages $200,000–$300,000 in tuition alone, per AAMC data. Additionally, medical students often face longer program durations and higher associated costs. Nursing provides a faster and more affordable path into the healthcare field, making it a more accessible option for many students.
